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Essential Home Repairs Program (EHRP)

The Essential Home Repairs Program is designed to assist Arvada homeowners in making needed repairs and energy saving improvements to their homes. It provides forgivable and deferred  loans, as well as technical assistance and contractor supervision to assure the work is performed to specified standards.

What Kind of Home Repairs Qualify?

Work which may be eligible under this program includes, but is not limited to:                        

 Roofing  Structural  Gutters
 Plumbing  Heating  Electrical
 Water Heaters  Drains  Flooring
 Kitchen & Bath  Repairs  Sewer Line  Replacement  Doors & Storm  Doors
 Windows  Painting  Air Infiltration
 Lead Hazard  Controls  Insulation: walls  & attic Exterior Drainage


Who is Eligible to Participate?

Your eligibility will be determined primarily on the basis of the following factors: Your home must be a single-family residential structure.

  • You must own or be buying your home.
  • You must live in your home as the primary residence.
  • Your annual family income cannot exceed a specific income (Listed below).
  • You must meet bank requirements regarding credit worthiness and financial condition for the 0%, 3%, and Prime Rate Loans.

What Types of Financial Assistance are Available?

The maximum amount of assistance provided is up to $30,000.

  • FORGIVABLE LOAN: No repayment is required if you reside in your home for 10 years from the time the forgivable loan is signed-forgiven at 10% per year. Available for income qualified elderly and disabled only.
  • DEFERRED LOAN: Repayment must be made upon sale or disposition of the house or when unit becomes a rental property.
  • 0% INTEREST BANK LOAN: The amount borrowed (principal) is all you repay within 10 years-funded by lending partner.
  • 3% INTEREST BANK LOAN: The amount borrowed plus 3% annual interest must be repaid within 10 years-funded by lending partner.
  • PRIME RATE LOAN: The interest rate charged is the current prime rate or 5%-funded by lending partner.

  2016 Income Guidelines             

 FHA Mortgage $458,850 Limit on property value ♦ Median Income $80,100 




Deferred Loan & Forgivable Loan*    FL=age 62> and/or disabled HH


0% Interest Loan


3% Interest Loan


Prime rate loan

  (50% AMI )

(67% AMI )

(80% AMI )

(130% AMI )










































For More Information, call:
  •  Wendy Brazzell: Housing Services Specialist
  •  William Quintanilla: Housing Rehab/Loan Specialist
  •  Fax Number: 
  •  Street Address:
    8001 Ralston Road, Arvada, CO 80002

          Hours of Operation:    Monday through Friday 8:00 A.M. to 5:00 P.M.

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